Pay rent your way, wherever you live.* Flex Rent splits your monthly rent into smaller, more manageable payments that are easier on your budget. It helps you pay rent on time, build your credit history, and breathe a little easier every month.
How it works Flex gives you access to a credit line that you can use for rent. Each month, you pay part of your rent up front and borrow the rest. Flex pays your full rent to your property when it’s due, and you pay Flex back later in the month—on a schedule that works for you and your finances. *Subject to renter and landlord eligibility. Terms and conditions apply.
Disclosure Flexible Finance, Inc., together with its subsidiaries (“Flex”), is a financial technology company, not a bank. All loans, banking services, and payment transmissions are offered by Lead Bank or Column N.A., Member FDIC. An application and credit assessment are required. Unsecured lines of credit for Flex Rent are provided for a recurring monthly membership fee up to $14.99; membership automatically renews until canceled. A bill payment fee of 1% of your total rent amount is also charged (an additional 2.5% processing fee applies when using a credit card). Term loans for Flex Move-in are provided at 16.95%-23.84% annual percentage rate (APR) based on state of residence, loan duration, and other relevant factors. A bill payment fee of 1% of your initial payment amount is also charged. Term loans are currently only available to eligible customers in certain states. Other third party fees may apply. See your offer for more details. Positive rent payment history and information about your loan may be reported to one or more national credit bureaus. All loan amounts vary based on eligibility. Any graphics are for illustrative purposes only. Terms and conditions apply. All loan proceeds are disbursed by Lead Bank or Column N.A., Member FDIC; neither Flex nor any of its subsidiaries disburse loan proceeds or engage in the movement of consumer funds. Brokering activities are performed by Flexible Finance Brokering, Inc. Servicing and collection activities are performed by Flexible Finance Servicing, Inc.
Licenses Flexible Finance Brokering, Inc., Nationwide Multistate Licensing System (“NMLS”) ID #2599800 Flexible Finance Servicing, Inc., NMLS ID #2256673 Please refer to NMLS Consumer Access for information on our licenses.
Flex - Rent On Your Schedule App Comments & Reviews
POSITIVE REVIEWS
NEGATIVE REVIEWS
Flex - Rent On Your Schedule Positive Reviews
Current Updates vs. Three Years Ago: Night and DayI cannot underscore how thankful I was to discover Flex three years ago. It’s an incredibly useful and stress-relieving way to make your rent payments more manageable, and only having a roughly extra $20 to pay monthly in exchange is worth it. I stepped away from Flex for a while, partially because I fell behind on one of my payments and it went to collections, and unfortunately I did not have the means to pay it off until the last few months. Now that I’m using it again, it’s become far more useful starting with the first automated payment. In case the first payment gets declined, it gives you the option to manually make your payment through the app and debit your account then and there, with your rent payment coming shortly after. You can then pay your next payment in advance or even reschedule if needed. I had issues with the automated payments three years ago based on the timing of other charges, and I’m so glad to see they now let you make manual payments if the first one fails. I also work in leasing, and work/live at a property that utilizes Flex. It’s a lifesaver for so many people, myself included. That said, as with any service, read through the FAQ section of the service to make sure you understand the mechanics and decide if it’s the right move (or an eligible one based on where you live), but my recommendation is to definitely look into it..Moonlit_ShadowVersion: 2.1.1714
They make rent no big dealThis makes the app/company makes large rent feel a lot less overwhelming. It also reduces the obstacle that some banks place on accounts that limit your spending. When your rent amount exceeds your daily spending it can be a real burden or stressed for some I’m sure. I was in that position before when you could pay by check or money order and that wasn’t fun. Now with most properties going to online payment only I can’t imagine being in that position to not split up your payments. I’m lucky enough to not financially be in that position, but I haven’t forgotten that worry or stress full feeling of how am I going to buy groceries and pay rent. I love using Flex just because I can. I’m able to spread my bills out and never have an excessive lump sum leave my bank. For a person that struggled for so long to pay bills for so long Flex makes the rent payment a lot less scary and traumatizing. Once you’ve been in that position you never loose that fear of loosing it all again. On another note their customer service is quick and very kind. I did have an issue in December with my payment portal on the property end. Though the deadline was missed due to my property leasing office being closed Flex tried and communicated their best to help with the situation. After pausing my account through December they reactivated it for January. They definitely make paying rent no big deal..Mini HolidayVersion: 2.1.463
ThankfulI’m Just So Thankful & Grateful for the help flex Really do give to help people in need without any hesitation it’s really is hard times out here I do not care if there even late fees they don’t ask any questions they will even bug you if your rent is not paid by the fifth of every month if they cannot automatically put it in, by the date your rent is due they will tell you copy and paste their routing number and account number to pay your rent mortgage as long as you pay your rent on the first & the 2nd half by the 15th of every month You can even extend it by the 15th the date for the 2nd payment arrangement, whatever day they give you to extend out a little farther as long as you pay it on time they will continue on helping you out without any hesitation you can’t get no better than this people shouldn’t want to mess over this type of help This is help for people They pay it right up front to the landlord to the apartments however, whoever take the payments for rent but they will make sure you are legit because they are helping you to keep a roof over you & your family head time are hard out here money is funny trying to come up with all of it at once rent not cheap bills not cheap kids not cheap food not cheap job pay you like you not working one bill after another just slapping you in your face im very thankful for my help I would like to SAY THANK YOU FLEX FOR HELPING ME AND MY FAMILY OUT IN OUR TIME OF NEEDS IN LIFE TIMES ARE HARD NOWADAYS WE ARE VERY THANKFUL FOR THE HELP WE GET FROM YOU GUYS WE USE YOU GUYS ALL THE TIME TILL THIS DAY.MookielocVersion: 2.1.1579
How flexible is flex?So this app is something recently my apartment complex has rolled out for us to pay rent. I thought it’d be really convenient to split my rent into two payments but that’s not necessarily the fact one you can’t choose your amount that you want to pay so by utilizing this program I’m not able to split my run into two equal payments because more than half of my rent comes out of my first payment and then the remainder comes out of the second part. I think we should be able to choose the amount that we are going to split up as far as paying rent. Sometimes bills are higher than in the beginning of the month and they are in the middle of the month also, not everybody gets paid on the same day so be better to have a flexible day of the week where you can have the payments come out of your account living paycheck to paycheck is the reason why I use flex but yet is not that flexible and I still feel like I’m robbing Peter to Pay Paul in a sense. I may just stop using the service altogether and just go back to the standard way of how his paying my rent before. It is convenient because it saves me a trip to the post office but I don’t have the flexibility to split my rent payments and have like the app address you’re gonna be paying more than half upfront the first of the month and then in the middle of the month he’ll just pay the remainder balance. This works for some people not all people and I’m one of those people that it doesn’t work for..Andie1223Version: 2.1.1579
Definitely room for improvementTheir chat bot “help” is just terrible. When someone’s need falls outside of the bot’s capabilities, well good luck! That should never be the case. I shouldn’t have to fight with a bot to get my need/email to an agent. No time has my need for assistance been able to be resolved with their chat bot. I’ve tried and it’s been 20 or more minutes wasted just to get to where it will finally allow me to submit an email request! Also, there should be a button I can press to have my monthly service fee deducted if the payment failed before. I keep my debit card locked due to past fraud, and even though the day of payment is consistent, the timing of the debit is not. I should be able to return to the app and press a button to have the fee debited at that time. Also, some months I don’t use your service. I should be able to let the app know this so they stop emailing and notifying me multiple times. I didn’t use it this month, as I was able to pay my rent in its entirety a couple weeks before it was due. I’ve received no less than 10 emails/notifications with “!!!” on them telling me to submit my payment now. I get wanting to remind people, but we know when rent is due. So just to prevent this, let me mark it’s been paid already within the app. Their customer support is nice but it’s a lot of back and forth within emails and even if you respond right away, it can take 3 days for a response. I get they are busy, but I tell you this to not wait until your rent is due to contact them if you need to resolve something before submitting payment..Devonne1987Version: 3.15.0
Worked like a charm!!Since Flex is a membership, be sure to read the cancellation policy before signing up. The current minimum payment is roughly $15 per month, due on the 15th of each month. It's incredibly simple to get started using the Flex app. By connecting into the web portal for your apartments, you can confirm your rent using the Flex app. The entire verification process only takes a few minutes, but to begin, you will need to have a bank account because payments will automatically be deducted.
After confirmation, you proceed with the installment plan and decide on the payment amount and due date. On the first day your payment is due, the money must be accessible in your account. You can decide the day to make your second payment, but you must also have the money on hand that day. I was first put off by some of the negative reviews, but the majority are the consequence of individuals forgetting to make their anticipated or prearranged payments. I'm not sure if they punish you for being late or for not having sufficient funds in your account so read up on that as well. I haven't had any problems with the app yet. I enjoy using it because it gives me flexibility that aligns with my pay schedule. I would definitely recommend this app to my family and friends. I’m not 100% sure but I think this app also helps build your credit ..MatsterlingVersion: 2.1.1297
Love having a more balanced budget between paydays!Who ever invented this should get a Nobel Prize! This service helps in so many ways. First, it gives the renter the ability to create a more balanced bill pay scenario between paydays. The stress of having a really tight budget the first half of the month is completely alleviated by being able to split your rent into two parts. Secondly, it makes the ability to use the debit card to pay rent, more affordable. Instead of having to pay a service charge as a percentage of rent, you pay a small, flat monthly fee to use the service. The monthly fee is less than half the percentage based fee. That's a win in my book. Thirdly, it eliminates the time constraints with complex office hours to get a paper check to office personnel in a timely manner. I don't know about you folks, but I work 60 hours a week and when I'm off work, the apartment office is closed. Being able to affordably pay this online eliminates that stress for sure. If there is an issue with their system, (it's only happened once) they will alert you and give you the ability to make your rent payment *through* their system manually, so it looks like they've also built in some fail-safes as well, which is reassuring. Overall, I really, really like this service and I genuinely am grateful for the benefits they provide..Barbie050Version: 2.1.1003
Great After Initial ProblemsI assume the ability to split your rent is great when it works, but that’s if Flex didn’t have so many issues on the front end you never got to try. It took several days of attempting to create an account to get confirmation. I received an error message about linking to my apartment’s portal site, contacted Flex support, and was asked to try steps that I mentioned were already tried. I finally managed to log in with no resolution from Flex after just waiting a few days and hoping it was a fluke. Flex said I was approved to use their service, I finished setup, and just selected to Pause my membership to make sure my next payday would fall before the first payment January 1st. All was good so I went to Resume with Flex later that same day, only to be told I was denied due to my credit and could not reapply for 60 days. I contacted support again and was given a stock answer that didn’t explain why I was approved to begin with and it changed later that afternoon. If you have good credit and don’t need to use Flex support for any real answers, by all means try it! Otherwise this has been a huge waste of my time and gave false expectations.
UPDATE: I’m still not sure why the initial process was so poorly executed, but I was eventually able to make use of their services and have been using Flex for a while now without issue. The app makes it easy to split my rent and keep track of payment dates. The fees involved are minimal compared to the peace of mind it gives; I no longer have to worry about not having enough funds for rent to be paid on time, and can better plan my finances for the month..RchlahVersion: 3.2.0
Updating my review...I hope that this is my last update-i just really want to say how much I’ve appreciated the assistance of Kevin. Thank you for everything!!
I hate to flip flop on this company but their decisions on why they don’t allow members to have flexible accounts is really ridiculous. When I initially joined in November, I was given a “flexible” payment schedule. Several months later, during the initial stages of the pandemic, I was told that they were not working with my rental company. I was then told they’d make an exception and continue to work with me. Mind you, I have not missed a single payment and have made the schedule work even though I was taken off the flexible schedule in April. I was just told now that they look at bank history and credit score, when I have never provided my ssn to pull a credit score and my bank history remained positive during a freaking pandemic.
I am cautiously optimistic as I revise this review, but I am leaving my original review just in case...Flex has worked hard to make things right after a difficult situation. My pay schedule did change which was frustrating, since I had demonstrated that I was good for the money but I’m overall happy that I’m once again able to utilize the services. My original review follows to provide context: This was a great service for me, since I do live paycheck to paycheck. However, I just got an email today saying that Flex no longer works with my property management company. Now here I am just before rent is due unsure how I’m going to come up with that much money. A little bit more notice would have been appreciated..LaurenH79Version: 1.8.1
Blame you for broken system, tank your credit scoreI’ve had a HORRIBLE customer service experience with Flex. The app kept declining my debit card despite me confirming I had plenty of money in my account. They don’t have a phone number - you have to go through their chat bot first, and THEN if it doesn’t solve your issue they let you send an email. They take days and sometimes even weeks to reply to the email, and then all they say is “we looked into it and your card was tried and declined 5 times.” (This is what I WAS TELLING YOU WAS THE PROBLEM). Then they say that now that it’s been 5 days, they can no longer help you, but you’re welcome to try Flex again next month! THEN when you try to use it again next month, they put a negative report on your credit score for trying to re-activate within 30 days of when it was frozen (SO WHY DID YOU TELL ME TO TRY IT AGAIN NEXT MONTH). Then if you email again to complain about that, they tell you to file a dispute with the credit agencies. This wasn’t a “my account didn’t have the funds” issue. This was a “your system kept declining the debit card that had $400 more than the required amount” problem. They take 5-8 days to reply to you then use “too late” as an excuse. And then they ding your credit score by 20 points for trying to use the system again AFTER THEY TOLD YOU TO TRY IT AGAIN. I’m in deep, terrible debt now due to the 3-month runaround this company’s put me through. DO NOT USE OR TRUST FLEX..Scrambledmeggs31Version: 2.1.1443
Great Concept, But Needs ImprovementBefore I start complaining I want to say that, Flex did pay my half of the rent in full on the 1st of the month, which was good. However, it takes them way too long to process your payment and take the money out of your bank account(It’s been processing for 2 days now). I was worried that my account would overdraft, as I have other bills being withdrawn from my account, so I had to reschedule those payments(inconvenience). The “customer service” team has no idea what they’re talking about half the time and send generic answers that you could have pulled up on the website. Customer service does nothing but cause more confusion. I’m actually going to deactivate my account after my 2nd payment is withdrawn because it’s a little bit stressful.
Suggestion: We shouldn’t have to submit a request just to make our second payment EARLY. That makes no sense. Like Klarna/Afterpay/QuadPay, there should be an option to payoff your balance by simply inputting your card or bank account information. If this app is supposedly supposed to make things “flexible” why do you guys make it so hard to make an early payment or reschedule? We should be able to go to the app and do both without having to contact your terrible customer service team.
This would be the perfect app if those options became available to users. It would also be better if you guys had a better customer service team..Neicy.Collins21Version: 2.1.278
Love this app option!FLEX allows you to split your rent into two payments! Not necessarily split into two but every bit helps! I have 3 incomes, one on the first one every Friday (helps with everything other than rent! And big one on the 24th! And My husbands is around the 26th! So this flex program is just what we needed so that just about everything would come out of the one check! It has really given us some financial freedom and we are truly blessed with apps like this one! When I first signed up I hadn’t transferred money into my account for them to pay my first portion and I deposited and reentered my payment information and said go! It worked! This month I was so sick with a sinus infection, I couldn’t even get up to check finances! Later on the 4th, (we have as 5 day grace period thank God) I checked and again flex was denied the funds out of my account because it all wasn’t in there. I went into the app and changed my account info and told them to take out a certain amount, then I reentered my payment information and entered the amount to take out and it went so smoothly I could not have asked for more! No more going to WinCo for money orders! Which, are only $1.00! Lucky they are only 1.8 miles away from home! Thank you FLEX FOR SUCH AN EASY TO WORK WITH APP AND FOR YOUR SERVICES!!.MissButterfly!Version: 2.1.1714
Monthly issues!When I initially signed up with Flex, I figured this would be great. Especially after giving access to my rental portal….I was wrong!
Every month, since I signed up almost 6 months ago….I run into the same issue monthly. Even with access to my portal they question my rent amount…monthly. My portal breaks every charge down but again , it’s questioned and I receive multiple emails a day saying my account needs attention because, clearly no one is looking a the breakdown of charges on the portal. I reach out to customer service monthly to try to rectify the issue but, somehow the following month….same thing. After sending 4 emails to customer service, no response. Until, I went into the app and manually put in a different amount. Now, 2 days later customer service responds saying my rent is paid. I know it is now because, I did what Flex was supposed to do. Please do better because it’s more a hassle trying to contact Flex every month than to just pay my rent in full. My rent has never be paid after the 1st of the month until Flex! Please provide a customer service phone number because clearly the email process isn’t effective. Flex is convenient for splitting payments but, all the fees and lack of customer service is not okay!.In need of customer supportVersion: 2.1.1188
Great idea but…I love this idea and I’m thankful for having this type of help at my fingertips, however, the app, to me, is easy to use but complicating at the same time. Upon creating an account the app tells you to select dates to set for repayments and that you’ll have the opportunity to change the dates after your account has been created. But after my account was created, I did not have the option to change my dates and after emailing an agent they told me that I will not be able to change my 1st payment’s date which to me is stupid because why tell me upon creating an acct that the feature would be available but then refuse the feature after account was created… it’s a lot I had to do the first time using this app but I do say it’s worth it. Just be sure to select the actual dates you’re able to pay back the first time because they don’t give you the opportunity to change the dates at all from my experience. Not even the second payment which, to my understanding, the 1st payment you couldn’t change but the second one you could. But you can only change the amount you want to pay in the 2nd payment which is cool I guess but not being able to change dates after the feature is mentioned that you could just… yeah… didn’t like that because it was inconvenient and unnecessary to mention that feature and you’re unable to use it..SunnieSunshynVersion: 2.1.1625
Not bad but will mess you up on one missed paymentI missed one payment because I had switched jobs and my contract didn’t start until the following week so my pay was a behind but I still managed to get it 5 days after the month began. They denied me the ability to use it for the following month which I’m like “fair” because I was late and so should have been able to use it for Octobers rent. First it told me to reapply in 30 days so I did, then it told me that I had to wait 60 days, then it told me you were late one payment in the last three months therefore it won’t work. Mind you my credit had jumped above the minimum needed to use Flex. The customer service doesnt seem to know anymore and even admitted that I do have a really good record minus the one time and then they tried to tell me “oh it’s because of the pay verification “ which I explained multiple times that I couldn’t get to them because I started a new job and my old one closed my account to access paystubs. There doesn’t seem to be a consistent reason as to why I cannot be reaccepted and honestly I may bring it up with my landlord as well because I work as a teacher and usually really love using Flex because it gives me the extra funds to buy snacks for my students for snack time but now it’s stressing me out and no one can seem to keep a consistent reason as to why I am not eligible..スミスメイVersion: 3.27.0
Thank you for saving meThis app was the reason I didn’t end up homeless & this is my first time ever writing an app review. After covid, my partner & I broke up when I was still a full time college student & I was left with all the bills after they moved out & it was exactly then my apartment introduced Flex. I was so hesitant at first because apps like this always come with some hidden fees & surprise you but flex is different, they’re very clear about what they do & you know what’s expected of you to get what you want. The monthly fee has increased to $15 which I absolutely did not mind but I hope it doesn’t get higher than that although I no longer need to use Flex anymore. Because of flex, I was able to go on many vacations including living abroad for 2 months. Here’s my request from Flex as a former 3years long customer during it’s early days with little to no reviews on it: please do not change your mission, you’re serving the everyday American people & are lifting burdens for so many lives, please do not lose that sight in the name of making more money & you’ll always have dedicated customers who will eventually get you rich over time. PLEASE DO NOT BECOME GREEDY(RESPECTFULLY)❤️❤️❤️Thank you for making my first apartment experience easier, love you all!!!.Mystic MentalVersion: 3.12.0
Not good businessI don’t recommend using flex. There is no customer service whatsoever. I had this app for a couple of months. The first two months were fine. My rent was paid on time and I paid them back as agreed. The 3rd month they paid an apartment complex I didn’t live at and no one was available to assist me. By the time someone did reach out…my rent was 7 days past due with late fees and they told me there was nothing they can do. I was told by a miles that once a payment is sent to the property they are unable to reverse or stop the payment. So I attempted to go onto my property portal and self pay and guess what they did…reversed and stopped the payment. So it wasn’t that they couldn’t help. They chose not to. I ended up paying flex over $700 for my rent and it never got paid so I had to turn around and pay the full months rent anyways plus the 700 they took and now they want my second payment. Lol nah. Y’all can pray for rain cause it ain’t happening. I understand being in a bind but I would rather try and pay my rent on my own than to have this company screw me over by taking my money and paying the wrong property and refusing to assist me. 0/10. DO NOT USE. or you’ll be back in these reviews mad you didn’t listen..GaboogieVersion: 2.1.1545
The best thing to happen to me financiallyFlex Is a life saver. As a very independent, young woman trying to make it in this world - I thought I never could, until flex came along. I found out about flex through my current apartment complex and really the only reason why I am renewing my lease is because of FLEX. The world is tough and trying to work 40+ hours a week and being a current student was hard but flex helped me manage my money and put food on the table with a roof over my head at the same time. •Flex helps people who can’t make that huge rent payment all at once and conveniently splits your rent in half for you to be pay it whenever the best financial time would be for you. In the beginning I was struggling a lot with everything sometimes would have to reach out to flex customer service for some questions or adjustments to my account and my stress would get to me and I was not that nice and what did I receive in return? •Probably the best customer service I’ve ever had, they actually made me a little more calm and feel better after emailing them. I really appreciated the customer services patience and respect.. I owe flex more than a good 5+ star review just because I am currently living in one of the nicest places I’ve ever lived in my life and that is only very conveniently possible because of FLEX 💜 .
Thankyou flex - a very happy and thankful for your service user.OliviabrookejonesbbVersion: 2.1.1234
Punished for not using the app some months!! Ridiculous!!I loved using the app when I needed it. There came a time where my paydays changed due to a promotion and it knocked me off my regular schedule so I didn’t use flex for two months. Once things were back on track, I went back to start using it again and they had suspended my account and told me that I couldn’t request to use it again for 30-60 days! Really?!? This makes absolute zero sense to me! Why do you care if I didn’t use it for two months?? There’s no contract or anything. I think I’m being punished for not paying the monthly fee that they charge and I didn’t pay because I DIDN’T USE THE SERVICE! If this is the real issue, charge me for those two months, let me pay it and let me use this service. Anyway, this is going to cause me to be severely late paying my rent this month because my expectation was to split my rent up. I’m VERY upset about this and will try my best to get to a point where I never have to use this app ever again!! I hope my rent office will be understanding and this doesn’t cause me to get evicted! Stop claiming to help people then putting them in bad situations!.Hardwork86Version: 3.3.0
Pros and consI have used this app once and this month has been a complete failure. They give you a 5 day grace period for the first payments but don’t inform you that you need to have the funds in by 1pm. Mind you I looked online at there website and figure out the last day to have the funds in and all it says is by the 5th with no time frame given for that day to have the funds on the account. I have emailed them and they sent me a screenshot of all the transactions made on the 5th and the last transaction was made at 6:40pm which is very weird and confusing because they have told me to have the funds in by 1pm, so I don’t understand how they were still trying to get the funds out of my account after 1pm if that’s the deadline. They really need to put a self payment option on the app so that way we don’t have to worry about this type of issues and we can just do it ourselves making it faster and convenient. I am just really upset because now I have a 3 day notice because you this app not being fully informative about the first payment. If your giving us till the 5th why wouldn’t it be until 12am on the 6th would be the deadline. I’m really disappointed because this app really helps me manage my money and be able to pay my rent without a hassle. I hope you guys make some changes real soon about this.Moani FinchVersion: 2.1.514
When it works it worksI’ve been signed up two months and neither month was covered. This month, I kept getting emails and texts to relink my property which I did numerous times. But today I received an email saying that since they couldn’t contact me they couldn’t pay my bill (which at this point would cause late fees). I believe if they were to look they would see that I reached out to customer support 3 or 4 days ago without a response. First they sent u an email with the general questions answered and you HAVE to reply to that email to get help which is dumb. I don’t want to have to talk to them and will only do so if their product isn’t working. But it takes days for a response due to demand, which really sounds like a business issue and shouldn’t be a me issue. I’m really glad I planned for this eventuality and wasn’t depending on them otherwise I would be screwed and have late fees. Luckily I paid it in full the last day before it would be considered late.
Update: 2->4 stars
All the issues I had are still valid. But eventually it worked and has been working 2 months now. 500 out of each check is more manageable than 1000 at one time. I really do appreciate the service even if there are flaws.MedairaVersion: 2.1.1160
Flex is a Great program!Helps me balance out a tight budget! Flex is great. BUT, for unknown reasons to me, the Amounts tend to “Flex” from one payment to the next. I suspect it is due to the expense of water which is variable of course and varies, but it seems like my rent amounts, and therefore the Flex amounts vary as well. So far I see a pattern of an overall Increase of $110 from my first month using Flex program to my last month and current month amounts. I have tried to get answers from my apartment complex administrator but nothing so far. I sent an email to them explaining my concerns and asking to schedule a time to go over the numbers and only got a voicemail message saying to call them back. Still need to call back to set up a time to go over numbers. I work 3rd shift and not easy to have daytime meetings when I’m otherwise sleeping. All in all, Flex has been good and I am seeing my Transunion credit score go up. But, Experian knows nothing about Flex apparently and so No love on the credit report with them. Seems a bit dumb that only one out of three credit bureau’s get the reports from Flex and I am paying an additional $15/month for the service that cannot report to more than one credit beuraue/agency ..Friend OfFlexVersion: 3.3.0
Easy and ConvenientI have been using Flex for the past few months now and I must say that I never have to worry about my rent being paid. I have scheduled my two payments to come out of my paycheck every two weeks so that it is ahead of schedule. I was concerned once when I received the notice that my flex bill was lower than my previously paid amount. This occurred because my rental office had not yet posted my rent for the month. Flex starts initiating payment on the last day of the month therefore if your rental office does not post your payment until the first you may get this error. No worries just update your rent amount and Flex will continue to make the payment up until the fifth of the month. Update Sept 2023, I recently moved and was able to pause flex during my move and reconnect service at my new location. Although my new Property Management Co did not come up in the search field for Flex, there is still a process to get one added which I was happy about. My first payment was made and my rent was paid successfully. Still loving the service of this app. also, Customer Service response is timely and very helpful..Faith4 UserVersion: 2.1.1403
Works for me.....so far, so good.This app has been a game changer for me. I live in California, land of super expensive housing costs. So being able to split rent into two even payments ( I get paid biweekly ) has helped me a lot. I could try to do this on my own, but the fact is that is very difficult to get ahead enough on one salary to do this. I have read many of the poor reviews, and I could see where this app wouldn’t work for some people. Luckily for me, my rent portal was easily accepted and my checking account info transferred across smoothly. Plus, I meet the criteria for income/ direct deposit requirements every month, ( my salary & hours worked always stay pretty much the same) so I haven’t had any issues yet. I have used the app to pay rent for about 5 months now. I was very nervous about trying it since, hey, it is rent and it’s very serious if you have any issues with payment. The times I had a question, email response has been great, usually the same day. So I’ve had a great experience. If that changes, I’ll update this review accordingly. So, I guess I’m just lucky that this app works for me. Just wanted to give a positive review now that I’ve used it several months without a hitch. Sorry that it doesn’t seem to work for everyone, though..DellagoodVersion: 1.6.4
Hard to contactI have been with Flex since the beginning. It has a lot of problems then but has got much better so I kept it. It is nice splitting payment due to the amount of my rent. The biggest problem is not being able to talk with anyone on the phone!!! Often the changes you try to make to your account are not recorded, and it causes problems in your payment schedule. Not good!!!!
Over the years, in addition to membership fee each month now, there is now a new added expense of 1% of each rental payment which means an additional 1% 2x per month. That adds up pretty much with higher rents like I have. Maybe you could put a cap on that to match my credit line with you!!! It just seems like a duplicate fee like membership but a different name for the same thing!!
Finally, on the settings function, you can’t set up initially the DATE of the second payment. That would help also! You can only change the amount to auto repeat, but the date has to be changed every month after the first payment has been made! Why can’t I permanently change it? I did finally get to text someone there after months of trying, and it STILL WASN’T UPDATED after he said he would update it. Also, when I told Flex in the app that my rent amount was a permanent change, it never recorded that, either, so my rent payment always has a hiccup each month due to the amount of it. How about increasing the line of credit a little so this can stop?
So overall, I appreciate the purpose of flex very much, it keeps my rent credit report in good standing when it works right. It kept it paid when I was on medical leave and lessened the stress ….. as long as it was working properly! Please let us talk with a live person, and rethink the duplication of fees!.Ships55Version: 3.30.0
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Flex - Rent On Your Schedule Negative Reviews
They don’t like when you don’t need themI used it for a month and between them saying they don’t charge late fees but you should make sure you have the money in your account if you don’t otherwise they spam your account with the charge until the money is in your account they will charge your account about 6 times everyday until the money is in your account they make it seem like there here to help but there not because doing that racks up overdraft fees on your account based on your bank of course they also charge you 20 dollars for the service that also makes no sense because if your in the business of helping why charge $20 and for the people who need this type of help $20 is a lot im saying this coming from a place of needing help at first then my situation changing and me not needing this at all because breaking up your rent payments into 2 payments then having car notes light bill phone bill car insurance and a gas bill this makes no sense just pay the rent all at once but also when you cancel this if you don’t pay it in the same month you canceled it way you get paid 2 days later but it’s the 1st of another month but you canceled it they charge the same $20 dollars like you used it for the whole month that they didn’t even pay the rent for I wouldn’t recommend this it’s just a long term problem for a short term fix and I know it sounds good because of the holidays coming up but this is not it happy holidays.WreckitreddVersion: 2.1.322
Just get a credit cardHelpful in lots of ways but also very frustrating. Flex ultimately works by giving you a loan/credit card to pay your rent and then you pay them back on your paydays. However, it has very limited flexibility with payments and is predatory. Unlike other methods of finance, Flex doesn’t offer any rewards or loyalty perks for using them to pay your rent. If the money isn’t in your account on the 1st of the month your rent won’t be paid and you will incur a late fee from your landlord. There’s no option to adjust how much you pay your apartment because Flex checks the system automatically. There also isn’t an option to pay Flex with more than one card/source. My job pays me on the 5th and 20th. While Flex allows me to adjust when the 2nd half of rent is due, it doesn’t allow me to adjust when the 1st payment is due. It also does not provide me the credit to pay my rent in advance of my pay day despite using the app for over a year and always being paid this way. Any other type of finance company would work with you but flex is pretty inflexible. One month my utility bill was $200 higher than normal. While my apartment was willing to spread out the payment, they couldn’t change how much was owed in the system so Flex went to withdraw the payment and, not having the inflated amount until payday, caused me to incur the late fee. I couldn’t pay part of the payment from one card and part from another so it was very expensive, frustrating and annoying..TheGlamazonVersion: 2.1.1724
UnhappyI’m really unhappy with flex and it’s customer service. Flex attempted once to take money out my account on January 31st before the 1st which my funds wasn’t available until February 1st since January 31st flex never attempted to pull the half of my rent money from my account which normally they supposed to keep attempting until the 5th of each month that never happened. I have now emailed there customer service at least 3 times and I got the same response each time saying they have a high volume of messages and they will get to me once it’s my turn in the que. I don’t understand why flex don’t have a customer service number that you can actually speak to someone it will make life a lot better or they can actually allow you to make your 1st payment yourself on there app like you can do with the 2nd payment yesterday I received a 3 day notice to pay my rent and if I don’t pay it on that time frame I will be facing an eviction I have a 5 year old daughter and just found out I’m expecting so rent is the last thing I need to be stressing about being that I’m high risk when I’m pregnant.. If I don’t have my rent paid in 3 days I will be responsible to pay my rent on top of trying to stop an eviction which is about $500 smh flex I’m very upset and stressed out with the way you’re handling your business my funds been available to pull since February 1st yet as of today my funds are still sitting in my account if you guys are experiencing a system issue tell your customers that be honest and make things right!!!!!.KewweeVersion: 2.1.1188
Not a great service at allI work for a corp. that advertised this service not needing it, I decided it wouldn’t hurt to try. They advertise it as a boost to your credit being it’s like taking a loan every month giving your credit score a little boost. I used it for 3 months then chose to pay my rent at the office. Wrong thing to do, flex still tried to take their payment, they don’t fully link with your property. Started as first of the month then second paycheck. By the second month, payment was taken out the first, second payment due 6-8 days later. By month 4 both payments were due by the 10th of the month. Being that would of been to close for my liking, I paid my rent in full to the property. When I went to reactivate flex they told me my account was suspended for failure to pay or keep giving them my money instead of the property. To me that’s wrong the idea is for flex to link with your property. If they link on first failure to pay then see your balance is zero on their second look. They should send a thank you for making payment. Bit suspend your account for not using them. Thank god mine was a test if I was in need of flex I would not be paying my rent this month, due to bad customer service (getting flex on the phone is a nightmare) to top it off they tell me my credit is too low now to resume, kicker my credit has gone up 15 points in the last 4 months. 5 & 10 higher on the other two credit bureau. I’d love for them to explain that lol.TemeritoelgordoVersion: 2.1.1485
Don’t!Run, don’t walk away from this app! I tried to give Flex a chance, I made my $15 membership fee, and sent my $949 for rent. Flex gives you a routing and account number to use to pay your rent. I entered the numbers they gave me, just as it was written for my April rent. A few days later I received and email from my complex stating that my check had bounced, and now I’m responsible for an additional $100 due to the bounce. I explained all this to Flex, sent screenshots of the email, my rent portal for proof. Flex (Manu) agreed that it was their fault and they would cover the $100. Due to the rent needing to be paid I also requested my $949 so I could just pay my rent in full myself, I couldn’t take another change of this happening again. My $949 was sent back almost immediately, but the $100–nope. Manu requested that I email him/her my account and routing number, which I thought was strange because that info should be on my flex app and they just sent me money so why would you need that. Many kept emailing me and saying that the money was sent, then he would say that there was a glitch in their system—I then started speaking with a Eliseo and they have been basically saying the same thing, one minute the money was sent and the next they need to figure out what went wrong. This has also happened to a friend of mine, unfortunately I found that out after wasting money on the membership fee and losing $100 to their bounced check. Do not use this app!! If I could give zero stars I would!.RicaReeseVersion: 3.10.0
Communication/Tech GlitchesThe link was sent by my management company as an alternative. I reviewed and read all the services and decided it would have positive impact on my budget. I DL the app, completed the registration process, and while reading the disclosures/terms, the process timed-out. Ok, I’d thought, “just log back in, continue where I left off”. I signed in and the app was locked on the phone verification, where I needed to continually enter my ph#, just to get a white screen and an “Ooops”, error message that my phone number wasn’t valid. When I’d already completed the registration. I eventually uninstalled the app, reinstalled to start over. When I DL app, I get the “welcome back”, screen (with my personal data still in the app) that prompts to continue where I left off which should have been the terms and disclosures. This time I get to the email verification and it freezes. I repeat the uninstall/install process 4-5 times, in which the app freezes on almost every page of the registration process. I submit a ticket to support, just to be instructed to repeat the DL/DEL app process over and over again. I eventually receive an email, and sending additional emails would only delay response and that it has been escalated to their tech team. My issue is: some products and or services require a “LIVE”, person to assist, especially those service requiring your personal data and banking information. This company has a great concept, but no phone number or option to delete your personal data..Seats AVersion: 2.1.681
App MalfunctionA year ago, I reached out 4 times via email, which no live agent ever responds anyway. Our rent price was changed on the day rent was due to a lower rate due to us renewing our lease. Flex did not reflect the changed amount and had our balance $400 higher than it was supposed to be. We didn’t have $400 extra in our account to be taken out, so it kept declining the payment. Our property manager changed the balance, we changed the balance manually in app, AND I sent out an email ticket stating the balance was changed and put the correct amount. They never changed it, so by the time the 5th came, they said it was not paid. A week later they suspended our account for non payment, and now we can’t turn it back on, and no one is answering with any helpful information regarding the problems THEY created. I am now facing yet another issue that will put us out of flex for god knows how long. I’ve sent 20-24 emails with this “agent” and they are repeatedly telling me something is wrong on my bank’s end with processing the second payment, even though I have reached out to my bank and nothing is wrong. Flex app won’t even let me change cards on file. I’ve tried with 3 different cards, and it keeps saying something is wrong with my card issuer. Nothing is wrong. Over and over, the same email from the “agent.” I will not be paying the second payment as they won’t even f*ng accept it, and will be discontinuing future use..Naturalmystic444Version: 3.3.0
Flex does not careI used this for a couple of months and it was good and made it a little easier. However, the customer service is almost non-existent. If you read in the help center under “how it works” it says they take out the first payment on the DUE date. They have been taking out the first payment on the last day of the month instead of the first, which is when my due date is as I confirmed it with my apartment the same day. It says it will automatically make the payment when flex sees that funds are available, however they took out my payment anyway when funds were NOT available and caused my account to overdraw. I emailed multiple times to get a response and finally someone emailed back. There is no number to call so everything must be through email. She says it always pays the day before the date it’s due but flex states MULTIPLE times it will take the first payment ON the due date of rent. She gave me no answers and kept repeating the previous email saying nothing to explain why what she is saying is right and the entire app and business premise is wrong. Planning to stop using flex and considering a law approach if everyone refuses to give any assistance. Especially through times like this where a lot of people live paycheck to paycheck, flex does not care if funds are not available they will overdraw your account.
It is IMPOSSIBLE to talk to anyone from Flex. It takes you to a bot that bugs out constantly.TristonthegreatVersion: 2.1.1485
I’m disappointed and had high hopesGreat idea to help people like me but Flex cost me $129 in late fees! I just moved to try to go back to school and thought Flex would be a good thing to try until my job transfer was finished and my checks started coming in regularly. I was completely wrong! First the card that I use daily and continue to use was “expired” according to them. So I updated the card information like they suggested but still they kept emailing (they don’t have a actual phone number) saying the bank won’t let them charge the card so I called the bank. The bank was extremely confused and said they are not blocking anything and to double check my card info. I checked the card information updated, made sure I had the latest version of Flex and my phone was updated but still they were having errors. The whole way they always made it seem like I did something wrong and it could never be them or their system. So now after having a $129 late fee I have to wait till the leasing office opens talk to them about this whole situation hopefully get the fee removed and pay rent 7 days late because I won’t have the full rent payment until then. I would suggest having a actual number people can call because having to wait until the next day to get a email back about something as important as paying for rent doesn’t seem smart to me or very considerate or how customers situations and how they may feel.ROBBED123456789Version: 2.1.845
Good concept but TERRIBLE SERVICEI found out my complex started using this company so I decided to do some research on it. It seemed like a good concept so to decided to sign up only to submit all of my information and be met with a never ending loading screen saying “Hang Tight” that lasted over 24 hours. I reinstalling the app and even tried doing it from a web browser only to have the same outcome. I tried to reach out to customer service only to find out there isn’t a contact number and I would have to submit an online request. After 48hrs I received an automated response with no I formation regarding my concern. Then a week later I got an email saying they were going to “escalate the issue” and again never received a reply or follow up. Over an entire month later I attempted to submit another request letting them know I had never been followed up with. I received an email from someone named Kary with another generic response of “sorry for the delay but our tech team is now working on this.” Again, there has been no follow up. I’m not sure how anyone can trust this company to pay their rent on time (according to the reviews they do not) when they can’t even give you a timely response. Also, just in case they try to reply that they have attempted to contact me like they did on other post, they did not. I originally reached out sometime in October and it is now about to be December. They are also not upfront about their service fee, I found out about that through a third party site talking about the app..TFuller1Version: 2.1.322
No customer service. SCAMAbout a week before rent was due at my new apartment I get an email from Flex claiming to be an alternative way to pay and split up the payments over time. I decided to go for it and signed up, got approved, and paid for the first half of my rent (460 dollars). The next morning I have an email saying that they are not able to pay my rent, but they have a self submit option (bank account info for me to enter) which will cover my rent. All is well right? Nope. My apartments resident portal requires bank accounts to be confirmed through a micro transaction of .01 dollars. All I need is the three letters that are on that charge for the bank.
This happened days ago and I have been reaching out to Flex ever since. They have no customer service phone line, their system for helping you is an email service that I have received zero help from. In fact I don’t even know if real humans work at this company. Don’t believe me? Read the replies to every critical review of this app, they’re all the same automated responses. It is so frustrating that I am now down 500 dollars, will be receiving late fees from my rent, and have no idea if I will be receiving help with my rent from flex or get a refund.
If you are thinking about using this service. Just don't, it has caused me so much more stress than I can handle. I will be reporting this company to my bank and if you are having issues I would recommended you do the same as well..JoshFlexUserVersion: 2.1.1368
The most frustrating experience of my lifeMyself and at least 15 of my neighbors are in total agreement. If you want your money to disappear and never be able to get a word from the company as to what it went to when it was taken out why it was taken out and many other missing bits of information. This is the place for you. there is no customer service phone number to be able to speak with a Line anyone can you send them emails and messages through the app? They wait days to return your call. They take your credit card information but leave out important bits of information I had hoped for a good relationship and being able to use the service but they leave out important things when they share information please be warned that if you don’t set this up at least seven days before you need it, they will not pay your rent and they will not tell you they’re not going to pay your rent. You don’t find out until the day your rent is due when you try to pay your rent. And when you email or call and try to reach someone no one responds it is simply a robot replying with more things for you to read that are not relevant. Service does not exist. I really was hoping to be able to use them but frankly it terrifies me for someone to have my banking information and then not talk to me or respond to me like a human being only like a robot so you were never given any relevant information or answers to your questions and they have your bank information and they will not respond within 72 hours. Need to cancel your account. So you have no idea what they’re going to take out or when.Sub viewVersion: 2.1.1368
Absolutely ZERO customer serviceI have been trying to apply for Flex for a YEAR and still can’t do it because their customer service is either robots or people that don’t actually read emails. The first time I applied, I forgot my credit was frozen so I go denied. Fine. I waited the 60 days and tried to reapply, but I kept getting an error message that my email was already associated with an account and would take me to the sign-in page. I would then try to sign in, and it would reroute me right back to the sign-up page where it said my email was already with an account, etc.
I’ve reached out SIX times, providing screenshots, explaining the issue, even being promised that they have reset my account but I continue to have the same issue. The responses are so generic and just say, “sorry you were denied, you’ll have to wait 60 days, we take into account a multitude of factors blah blah blah”. I then respond and say I was NOT denied, and reexplain the issue I’m having, only to get this response: “I understand at the time you first applied, you were not approved, and since it has now been 60 days, you can now reapply again.” I really don’t think they even read my email!!
I’ve repeatedly asked to be connected with someone over the phone because the MONTHS-LONG back and forth over email is so frustrating. I guess the app might be good if you can actually get in, but good luck getting anything fixed if you have an issue!.Sshield3Version: 2.1.1391
No customer supportThere’s no actual people you can talk to. The computerized support is iffy. I sent 3 emails 3 separate days to reactivate my account and only received 1 confirmation maybe 10 mins later for the 2nd email I sent then an hour later for the third. They then send an email saying the my can’t tell you if your account can be reactivated until a couple weeks after. I was denied and I have no idea why other than I paid my rent in full for the last 3 months and have not used the flex app. Now that I need it, it’s not an option. False sense of help. Update: I was told to reach out to flex again via developer comment below my original review and now I’m just convinced they tell you to reach out to save face on reviews. They just tell me the same thing again. They said I had insufficient funds august when I paid my full rent, ok but can I reactivate it? No. Why? Because they said so. They tell me to reach out when I get the same answer AND the same customer service rep, KARY. I don’t know who they are paying to leave comments but this app only looks out for themselves. If you don’t use them, they can’t charge their fee in the middle of the month so I guess that’s why they aren’t very helpful. Also I found out they do “soft credit checks” and if you’re 550 or below you don’t qualify. Mine is above 600 and it dropped 28 points since having the app. Penalized the poor is the vibe I get from the app. Use at your own risk..GspatesVersion: 2.1.878
CUSTOMER SUPPORT NOT RELIABLEMy apartment complex made a mistake on my rent for December by acciden charging me an additional $200. I contacted my apartments prior to paying my first payment to flex and asked them (my apartment) to correct my rent (which they did) and flex still charged me the full incorrect amount. I contacted Flex customer support around Christmas time in December letting them know the error & I recieved 1 response back. The guy from flex customer support asked me for my phone number or email associated with the account. We paid our first Payment to flex which covered my entire rent and I sent that information to the flex customer support as well as a screenshot showing that my entire December rent was paid in full however flex is still charging me the additional $300 but I never got a response back, even after the holiday's. So in January I saw I still never received a response so I submitted ANOTHER message to customer support saying the same exact thing as I did the first time and I received another reply from flex asking for email/phone number, I sent that information and never received a response back again. So I tried again for a 3rd time and this time I didn’t even get an response back. I have screenshot to show my December rent has been paid in full, I can’t find a actual phone number to speak to someone from Flex customer support and they keep trying to charge me for the 300 that I don’t owe to my apartments..L1L'ShawtyVersion: 2.1.1539
TerribleI know how to use my phone properly. I set up my rent payments with their flexible option of splitting the total amount on the 1st and the 15th of the month. I put my card information on my account and made sure autopay was set on so there were no issues. The balance due was available from the moment I put my card information in on the 30th of April right before the 1st half of the payment was to be taken. Flex, for some reason, did not pay the balance that I set up so now there is a late fee and a concession fee?? I had everything done 100%, got off the flex app resting assured that everything was taken care of.. and it turns out it is a day late on my first payment! Contacting support now to figure out why this happened and see if we can reverse those late fees! I was good for the money, I had it ready, Flex had all my info, and now I have to be set back on my first month of living here because this little system just didn’t work!? I’m so upset, because it feels like I’ve been cheated and still have to reap the consequences. If my issue gets resolved, I promise to remove my review. Now I’m sitting here worried that I’ll be evicted for not paying my first month! I tried to look so good for the property manager by paying my first month with no problems, but I guess that wasn’t possible. I’ll be getting rid of my membership here and submitting cashier’s checks from now on. My tip to anyone who read this review: please make sure your rent is 1000% getting paid or else you’re in the same boat as me. Maybe don’t even use flex in the first place..John Wesley2543Version: 3.12.0
Great until the update then a nightmare.I loved using this app and the ease that it allowed me to have for about five months. This month, June, they updated the app and took away the option to pay with a debit card without warning customers prior to doing so. That being said, I had to request a refund, wait for it to clear through my account, and became late on my rent. I could not pay with the ACH option. After Flex paid my first late fee, they sent out an email stating switching to debit payment was not available. One of their reps, Mar, stated I could now pay with that option if I wanted to still pay with Flex this month. I decided to do so and once the refund cleared, Mar said he would escalate my account so I could use it again this month and switch to the debit card option. Fast forward, Mar stopped helping me and Zandie took over. Zandie didn’t know anything about the updates Flex had made, was slow to respond, and was asking me to provide information I had already given throughout this whole process. It seems as though the agents are bots and not humans. All in all, I now have an eviction motion and have heard nothing back from Flex after writing them multiple times. Horrible customer service! When things are good, no worries. Lord forbid you ever have a problem or need to speak with an actual human! I am livid and want to throw the whole app away at this point. Would not recommend..SouthernSoul7Version: 3.15.0
I have given them so many chances!Here I come again - with another month of my rent being paid late by flex who claims my rent is not posted to my rent portal to which I sent a screenshot proving it is and still haven’t received a response. After last months fiasco of having my rent paid 4 days late for the *second* time, Kari the manager ensured me we were all squared away for this months payment. I even reached out a couple days ago to double check and confirm I was squared away and there would be no issues. The first comes around and my rent was not paid on time, as I had feared. I am FRUSTRATED!!! I’ve went out of my way to make sure they have every bit of information they could possibly need to ensure my payments are made when necessary but they fail me every month. As a single mom who struggles to pay the large amount of rent every month, flex is my only option to keep a roof over my child’s head yet every month when rent rolls around I am fearing I will be evicted because flex NEVER pays on time. The app states they will reach out if an issue arises while paying the rent yet every time it’s a day late I’ve had to reach out to see why it’s not been paid. Never ever have they went out of their way to notify they have ran into an issue so that I can get it fixed. Ontop of everything this is a service I am PAYING for and have never once had them pay my rent on time as they are supposed to..Caleigh75Version: 2.1.574
Garbage!!!I was using flex for 4 months and then inexplicably the app quit working I kept getting a server error and a cannot load payment info error over and over! My rent was due flex requested funds twice my bank authorized it TWICE and they NEVER responded for the February payment so it was Feb 1,2,3 I’m freaking because my rents not paid and I emailed them at least 10 times and nobody would promptly respond and I’m stressed out because rents due! I tried EVERYTHING I deleted the app I re added my property info and my bank info 4-5 times I then paused and unpaused because NOBODY was helping me! There’s no phone customer service which is unbelievable so out of pure desperation I deleted the account thinking I would just re start the whole thing from scratch because NOBODY from flex told me it would stop me from ever using it again!! HAD I KNOWN THAT I would have never done that! I was desperate to get the app to pay my rent and then FINALLY I get a response and was told after Feb 15th I could start again after the old billing cycle ended well guess what?!?’ I was just told I CANNOT START a new account and keep using flex so now I’m completely locked out from using them apparently ever because OF THEM NOT ME!!! DO NOT USE THIS COMPANY!!!! You will regret it, I’m furious about this I would have NEVER DELETED IT HAD I KNOWN THIS!!! Just the worst experience I’ve ever had with a company that’s supposed to help you financially!!!
Bradley.BAW70Version: 2.1.1188
Loyalty down the drain! Eviction at my door.I’ve been loyally and ON TIME making my payments with Flex since it came out well over 3 1/2 years ago. Everyone once in awhile there’s been an issue but they’ve always got it sorted. About 2 years ago one of FLEX’s payments came back returned. Not mine. Since then, Jenny who is the best worker there, got my replacement payment in with a card and resolved the matter. Since then Flex has gone in every month to my rent portal and added a DEBIT or CREDIT CARD to make my payment with no issues since I always have money in my account early! Well they did a big update this last month, here we are at the 1st, and the app says SERVER ERROR and it can’t load the bill information. Mona emailed me back just saying that my landlord disabled ACH payments which isn’t true, and that it has to be enabled for Flex to pay my rent. Which isn’t true as Flex has been using a Debit/Credit card for the last 2 years!!! I can barely get a response back, and the one I do doesn’t seem interested in helping my issue and just giving me a quick answer. My account is an exception due to Flex’s error, payments can be made through my rent portal using a CARD! You still have the card that was used last month saved on the portal! You would think when you hold up your side of an agreement and follow all the rules and NEVER miss a payment that this is how I’m being rewarded. This is a simple fix and if it’s not corrected by tomorrow then I’m screwed!! Look at my account and past history and you’ll see Flex uses a debit or credit card to pay my rent!.AcidmndwshVersion: 2.1.993
Terrible customer serviceI was a Flex user since September of 2020 and absolutely loved it. Rent was coming out on time and the correct amount (I split rent with a roommate who doesn’t use Flex). Since December, things with rent have been odd since they have calculated rent way too high and I had to continue to email them to change it, and rent was paid at the last minute. In January, they paid my entire rent, roommates included, and I emailed them and told them it was incorrect. They only charged me for my rent and not my roommates. I emailed saying this was wrong and no response. Then, at the end of the month, they charged us the money we owed because of a system error and all of the money came out that week, and they then asked me to pay on the 1st of the month still even though rent was just taken out a week before. I figured I’d be able to handle it, because I normally pay relatively decent payments through flex. My February rent would not show up, and I emailed multiple people, with no response or “it will be fixed.” It was never fixed, leaving me with either paying my rent in full or getting hit with $160 late fees. Taylor from Flex told me multiple times it would be fixed, but when 10pm came around on the last day, it still hadn’t been, and I had to pay all of my rent in full this month, leaving me with basically no paycheck for two weeks. Customer service will ghost you and leave you stranded. I do not recommend..Alesznar1Version: 2.1.124
Unreliable and unreasonableI’ve been a customer of Flex for a little over 4 years. The first few years, I had no issues and it was great. Recently Flex has become a nightmare. In November, Flex paid rent to my property after collecting my first payment but for some reason, their payment to my property bounced. I was still within the 5 day grace period for rent to be paid on time at my property and Flex assured my partner and I that they would pay the balance before the 5th of November. By November 5th, rent was still unpaid and a late fee as well as a charge back fee was added to my balance. In good faith, Flex returned our payment to them and wire transferred us the full balance for our rent so that we could make the payment ourself. December we had no issues with them. January we decided to pay our rent without using Flex. A few days ago, we received an email stating that we needed to complete income verification to continue using Flex. The Flex account is in my partners name but we equally contribute to rent payments. We submitted our paystubs but were told only his paystubs would be considered since his name is on the account. Together we make a little over $100,000/year so we are more than capable of paying our rent directly to our property or by using Flex. A day after submitting income verification, my partner received an email stating we would not be able to continue using Flex. This came as a shock since we have been customers for 4 years. It seems like Flex is retaliating against us for choosing not to use them to pay our January rent..XhhuiovdVersion: 3.4.0
Issues not resolvedNot liking this service at all!!!
My very first payment I made for my rent was successfully paid to flex however my apartment management did not receive it. I don’t like that the ONLY ways to communicate are thru chatbot or email.
The wait times and having to type every detail to assure your problem is resolved is very time consuming when it could have been done faster if a live person could have looked up the information my apartment manager was looking for instead of taking days to respond. It is now time to make my rent payment for this month yet my last month’s payment still has not been paid and I’ve been charged late fees every day that have totaled over $250. Also because in my rent portal it is showing I now owe for 2 months they won’t pay this month until I pay more to reflect what is owed. This has been a nightmare for me. I’m not so upset because an error was made but the time it has taken for them to correct it and sending the requested information to my apartment management.
Once this is finally resolved I will be canceling this, I really did it to help build my credit score but it’s not worth my rent not being paid on time to my property management. This has been and still been stressful ,at the time of this review I’m still waiting for this to be resolved which in my opinion should not have taken a whole month..MsAnngVersion: 3.0.1
Not sure where they're buying reviews from...I have used flex for 3 months, only 1 of them willingly. The first month they didn't withdraw the right amount to pay for my rent, because there was a credit on the account from when I paid my move-in fees. Ok cool, I'll just cancel it. I opened a case the day before to cancel my payment (no, you can't just press a button. You have to start a case with their garbage customer service team) but it turns out it takes them 2-3 days to respond to your case. Ok, cool so I can't cancel it. Just wait one more second though, it gets better. They didn't show the payment scheduled, so I thought they actually were able to cancel the payment, instead they just withdrew the money both times that month without notifying me in advance. I get paid on Friday, and they withdrew mid-week unexpectedly, which over drafted my account. Fast forward, I decide I'll give flex a chance again but I know now that there's a deadline for when to submit changes. So I submit for reactivation with 3 days before the date of payment, 2 more days than required! And still, they don't get back to me on time. There's no way to contact them by phone, and I'm 90% sure my case was auto-closed because I'm only receiving automated replies from them now. Without a doubt, this has been in my top 5 worst customer service experiences, and I work in customer service..DramsaidVersion: 2.1.322
False Advertising, deceitful practices.I signed up with Flex early March. Everything went without a hitch. My bank account connected, the portal used to make my rent payments also connected successfully. I was still a bit weary about how this app actually works because of the previous negative reviews, but decided to give it a try. I reached out to support with a few questions over time and always received a quick response. So I thought everything was a go to cover April’s rent and I was set with the payment schedule. The EVENING of the 31st (rent is due on the 1st) I received an email stating my property management company isn’t a partner with Flex. I’ve reached out to support to at least get a reason why or some direction since I feel like this is an error. No response...just crickets.
I feel this is poor customer service and deceitful practices. I’ve been a member since early March and Flex decided to bogusly inform me that my property management company isn’t one of their partners weeks later on the 31st. The day before rent is due. Now....as I wait to hear from them, I’m having to figure out how I’m going to cover April’s rent. Notifying me less than 24 hours before the due date is unacceptable. Flex has had weeks to make this false determination.
At this time I do not recommend using Flex. They’re unreliable and customer service response is slow. Again...... I do not recommend. If my experience changes, I’ll be more than happy to update this review but this has been my experience so far..SB1814Version: 1.6.4
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